Should Teens Have Their Own Auto Insurance?

When considering whether or not to purchase an insurance policy for a teen, or put them on an existing policy, there are a few things to consider. Anyone who has a teen living in the home will notice changes to the policy if they are added. In contrast, a teen who has a policy of their own will need to be able to meet the responsibility of making the premium payments regularly or having a backup plan.

Teen Drivers

Teen drivers are much more likely to file a claim than older drivers, which is why their policy premiums are much different than an experienced adult driver. If the teen lives in the home and doesn’t own the vehicle in question, they can be added to a parent or guardian’s policy in most cases. It is important to ask an insurance agent how this addition will change the policy before making that decision. If the teen owns the vehicle, they will likely need to have their own policy. In this situation, an experienced auto insurance agent can help weigh the options to make a decision that works best for the situation. 

An Agent is a Resource

Using an experienced agent working for an insurance agency that is established with a solid reputation in the community is a valuable resource. They can walk clients through the process of selecting insurance policies and answering questions to help find options that fit best. Those who live near the Brownwood, TX area should consult with Robnett Integra Insurance Services to get the assistance they need deciding on insurance for teen drivers.

Protect teen drivers with top quality insurance products that meet their current needs. Call or stop by Robnett Integra Insurance Services, serving Brownwood, TX.